The Jammu and Kashmir Bank in India had a credit to deposit ratio of almost 62 percent in fiscal year 2021, down from around 66 percent in fiscal year 2020. The overall CD ratio for Indian private sector banks was 82 percent that year.
The credit to deposit ratio is an important first indication to gauge a bank's health, as it shows how much of a bank's core funds are being used for lending. A very high ratio indicates pressure on resources as well as capital adequacy issues, while a very low ratio can mean that the bank is not using its available resources optimally.
Credit to deposit ratio of Jammu and Kashmir Bank in India between financial year 2017 and 2021
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Indian Banks' Association. (August 13, 2021). Credit to deposit ratio of Jammu and Kashmir Bank in India between financial year 2017 and 2021 [Graph]. In Statista. Retrieved December 22, 2024, from https://www.statista.com/statistics/1070304/india-jammu-and-kashmir-bank-credit-to-deposit-ratio/
Indian Banks' Association. "Credit to deposit ratio of Jammu and Kashmir Bank in India between financial year 2017 and 2021." Chart. August 13, 2021. Statista. Accessed December 22, 2024. https://www.statista.com/statistics/1070304/india-jammu-and-kashmir-bank-credit-to-deposit-ratio/
Indian Banks' Association. (2021). Credit to deposit ratio of Jammu and Kashmir Bank in India between financial year 2017 and 2021. Statista. Statista Inc.. Accessed: December 22, 2024. https://www.statista.com/statistics/1070304/india-jammu-and-kashmir-bank-credit-to-deposit-ratio/
Indian Banks' Association. "Credit to Deposit Ratio of Jammu and Kashmir Bank in India between Financial Year 2017 and 2021." Statista, Statista Inc., 13 Aug 2021, https://www.statista.com/statistics/1070304/india-jammu-and-kashmir-bank-credit-to-deposit-ratio/
Indian Banks' Association, Credit to deposit ratio of Jammu and Kashmir Bank in India between financial year 2017 and 2021 Statista, https://www.statista.com/statistics/1070304/india-jammu-and-kashmir-bank-credit-to-deposit-ratio/ (last visited December 22, 2024)
Credit to deposit ratio of Jammu and Kashmir Bank in India between financial year 2017 and 2021 [Graph], Indian Banks' Association, August 13, 2021. [Online]. Available: https://www.statista.com/statistics/1070304/india-jammu-and-kashmir-bank-credit-to-deposit-ratio/
